Car Insurance Costs for 18-Year-Old Males and Females

Car Insurance Costs for 18-Year-Old Males and Females

Find Cheap 18-Year-Old Auto Insurance Quotes

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The estimated average cost of car insurance for 18-year-olds is $7,179 per year, or $598 per month. That's almost $1,200 more than the average cost for 19-year-olds ($6,018).

Young or new drivers typically pay more for car insurance compared to older drivers because insurance companies consider them to be a higher risk. For most young or new drivers looking for inexpensive coverage options, the cheapest car insurance for 18-year-olds is through Erie Insurance.

To get your best rate on car insurance, we recommend shopping around for quotes and exploring potential discounts, as premiums for 18-year-old drivers can vary by several thousand dollars across insurance companies.

Below, we compare auto insurance rates by company, gender and location for 18-year-olds, though young drivers should only use this as a general guide to search for coverage options. When possible, staying on your parents car insurance policy may be another good way to save money.

Find insurance rates by:
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Or read our analysis on how you can get the cheapest rates possible:

How much is car insurance for an 18-year-old?

The average annual price of full-coverage car insurance is $7,179 for an 18-year-old, or nearly $598 per month, but annual premiums vary drastically across insurers.

This graph ranks car insurance quotes for 18-year-olds across varyign insurers.
This graph ranks car insurance quotes for 18-year-olds across varyign insurers.

Find Cheap 18-Year-Old Auto Insurance Quotes

Currently insured?
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Large differences in rates demonstrate why young, new or first-time drivers should always compare car insurance quotes from several insurance companies. For example, there is a $7,306 difference in the average cost of car insurance for an 18-year-old driver between the cheapest insurer, Erie, and the most expensive, Allstate.

  • Erie Insurance offered the cheapest rates at $3,161, though its car insurance policies are only available in 13 states.
  • USAA, with an annual premium of $3,596, offered the second cheapest rates among our qualifying insurers; however, the company only offers car insurance policies to current and former members of the military and their families.
  • GEICO, with an annual premium of 4,651, is the cheapest car insurance company for 18-year-olds that is widely available across the country.
InsurerAnnual premium
Erie$3,161
USAA$3,596
GEICO$4,651
Nationwide$5,735
State Farm$6,336
Progressive$7,073
Allstate$10,467

The average cost of car insurance for varies significantly by age

Car insurance quotes for drivers under 18 can be very costly. The average 18-year-old pays $7,179 per year in insurance premiums, which is $2,747 more than the average 21-year-old at $4,453.

The cost of full-coverage car insurance usually decreases with age, and just a few years can result in widely different annual premiums for young drivers.

AgeAverage annual premium
18$7,179
19$6,018
20$5,333
21$4,453
22$4,128
23$3,840
24$3,597
25$3,207

How much is car insurance for 18-year-old men and women?

The average cost of car insurance for 18-year old females is generally cheaper than that for 18-year-old males. For 18-year-olds, women pay $6,797 per year on average, while men pay $7,561.

This trend is similar for drivers of similar ages, with men paying about 10% more than women for a given age.

AgeAnnual premium - maleAnnual premium - femalePercent difference
18$7,561$6,79711%
19$6,311$5,73210%
20$5,590$5,07610%

However, some states — California, Hawaii, Massachusetts, parts of Michigan, Montana, North Carolina and Pennsylvania — prohibit insurers from using gender to determine car insurance rates. Accordingly, men and women should pay the same price for auto insurance coverage, all else being equal.

Best cheap car insurance for 18-year-olds by state

We compared average car insurance premiums for the 10 most populated states in the U.S. and offer recommendations for the cheapest insurers in each.

North Carolina is the cheapest state for 18-year-old car insurance, with an annual premium almost three-fourths cheaper than the overall average.

Michigan is by far the most expensive state, with annual auto insurance costs for 18-year-olds almost three times more pricey than our overall average.

StateAverage 18-year-old annual premium
North Carolina$3,165
Ohio$5,079
Pennsylvania$4,809
California$5,675
Illinois$5,548
Texas$4,743
New York$6,862
Georgia$8,028
Florida$9,174
Michigan$18,704

Below, we recommend the cheapest auto insurance companies for an 18-year-old in the 10 most populous states.

The cheapest auto insurance company for 18-year-olds in the 10 most populous states

StateInsurerAverage annual premium
CaliforniaState Farm$3,556
FloridaState Farm$5,894
GeorgiaGeorgia Farm Bureau$3,127
IllinoisState Farm$3,447
MichiganAuto-Owners8,240
New YorkNYCM$5,100
North CarolinaProgressive$1,147
OhioGEICO$3,033
PennsylvaniaErie$3,042
TexasState Farm$4,145
USAA was excluded, as policies are only available for current or former military members and their families. Without its exclusion, it offers the cheapest car insurance for 18-year-olds in Illinois, Michigan, Pennsylvania and Texas.

Shopping for cheap car insurance as an 18-year-old

The best strategy to find cheap auto insurance as an 18-year-old driver — or a driver of any age — is to shop around for rates at different insurers.

Insurers charge insurance quotes based on many factors, from the car you drive to your driving history. The company that offers you your best car insurance rate may be very different from those best suited for your peers or another 18-year-old who drives a van, pickup truck or high-performance sports car.

When shopping around for quotes, 18-year-olds, students and other young drivers, especially teenagers, can save by staying on their parents' car insurance policies or taking advantage of all available discounts.

To find affordable car insurance rates, 18-year-olds can …

  • Shop around. Insurance companies price higher rates for younger or more inexperienced drivers, but costs vary substantially across insurers. Some insurance companies charge lower premiums for younger drivers and teens compared to their peers. For 18-year-olds, we recommend Erie, USAA and GEICO where eligible, but the company best suited to your needs can vary.
  • Remain on a parent's policy. If you're a young driver, then staying on your parents' car insurance policy, when possible, can help you avoid typically higher premiums. A combined policy or multicar insurance policy may be more expensive for your parents than if you weren't included, but the total cost will be cheaper than that of two separate policies. If you're away from home at college or school for a good part of the year, your parents may be eligible for a "student away from home" discount that could offer them savings.
  • Take advantage of car insurance discounts. Insurers offer many discounts for which you may be eligible. These can reduce your car insurance price. An 18-year old driver, in particular, may qualify for car insurance deals and discounts by being a good student, passing a defensive driving course, having a good credit score or maintaining a clean driving record.

Methodology

We collected car insurance quotes for thousands of ZIP codes across the 10 most populated states in the U.S. Our sample drivers were 18-year-old men and women who drove a 2015 Honda Civic EX. All other parameters affecting car insurance rates were consistent; drivers were single and had a clean driving record. Coverage levels in the full coverage policy, including liability insurance, are listed below. These coverage levels are slightly higher than any individual state's minimum coverage requirements:

Coverage typeStudy limits
Bodily injury liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible
Personal injury protection (PIP)Minimum when required by state

The analysis included 23 insurance companies, though rates were only added to our list of average prices and recommendations if their policies were available in at least three of the 10 states.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.